Appraisal Under the Policy 

The appraisal clause was designed to keep disputed valuations out of court. When it works, it does that. When it doesn’t — when the appraiser hired by one side is invested in an outcome instead of the file — the clause produces inflated numbers the carrier ends up paying or fighting in litigation anyway. JDR appraisers work the clause as it was written. We accept engagements only from carriers,

TPAs, and coverage counsel. What we produce is the number the file supports, with a full report showing how we arrived at it.

What You Get:

• The number the file supports. Not the number the policyholder wants. Not the number the carrier hoped for. What the scope, the cause of loss, the policy language, and the unit costs actually add up to.

• The full report. Scope, methodology, photo documentation, calculations, and the supporting basis for every line item. Not a statement of payment.

• Appraisers who have been cross-examined before. If the file heads to umpire or to court, our work product was built for that from the first site visit.